Home Bancorp, Inc. · NASDAQ:HBCP
Home Bancorp — Q4 2025 Earnings Presentation
30 slides from Home Bancorp's earnings presentation, Jan 27, 2026
Slide 1: Q4 2025 Earnings Conference Call
Q4 2025 Earnings Conference Call
Slide 2: Forward-Looking Statements
Forward-Looking Statements Certain comments in this presentation contain certain forward looking statements (as defined in the Securities Exchange Act of 1934 and the regulations thereunder). Forward looking statements are not historical facts but instead represent only the beliefs, expectations or
Slide 3: Our Company
Our Company Headquarters: Lafayette, LA Ticker: HBCP (NASDAQ) History: • Founded in 1908 • IPO completed October 2008 • Six acquisitions completed since 2010 • 43 locations across Southern Louisiana, Western Mississippi and Houston Total Assets Highlights: $3.5B • Total Assets: $3.5 billion at Decem
Slide 4: Our Markets
Our Markets NATCHEZ LAFAYETTE Greater Acadiana Region TOTAL BRANCHES: 13 BATON ROUGE TOTAL BRANCHES: 4 NORTHSHORE HOUSTON TOTAL BRANCHES: 5 COMMERCIAL BANKING OFFICE: 1 NATCHEZ TOTAL BRANCHES: 3 LAFAYETTE/ACADIANA : NEW ORLEANS : TOTAL BRANCHES: 6 NEWORLEANS g/g wm NORTHSHORE TOTAL BRANCHES: 6 aw SO
Slide 5: Quarterly Financial Highlights
Quarterly Financial Highlights (dollars in thousands, except per share data) 3Q 2024 4Q 2024 1Q 2025 2Q 2025 3Q 2025 4Q 2025 Profitability Net income $ 9,437 $ 9,673 $ 10,964 $ 11,330 $ 12,357 $ 11,411 Diluted EPS 1.18 1.21 1.37 1.45 1.59 1.46 Net interest income 30,382 31,586 31,749 33,351 34,106 3
Slide 6: Asset Growth
Asset Growth 4,000 Texan Bank - CAGR = 11.7% $416 MM as of December 31, St. Martin 3,500 2025 Bank & Trust - $597 MM Bank of New 3,000 Orleans - $346 MM Home Bank Total Assets ($ in millions) 2,500 Britton & Koontz Bank - $301 MM Guaranty 2,000 Savings Bank - $257 MM Statewide 1,500 Bank - $199 MM 1
Slide 7: Profitability
(1) Profitability Return on Average Assets Return on Average Equity 2.0% 16.0% 1.8% 14.0% 1.6% 11.8 11.9 12.0% 11.1 1.4% 1.32 1.25 1.27 9.9 1.2% 1.12 1.12 10.0% 8.9 8.5 1.04 1.0% 8.0% 1.76 14.4 0.8% 6.0% 1.33 11.6 11.1 0.6% 1.23 10.2 9.6 0.99 1.07 1.08 4.0% 7.8 0.4% 0.2% 2.0% 0.0% 0.0% 2020 2021 202
Slide 8: Loan Portfolio
Loan Portfolio (as of December 31, 2025) Composition Consumer Home Equity 1% 2,800 3% 3% Loan Balance Outstanding ($ in millions) 6% Multifamily 2,750 4% (8)% 7% CRE O.O. Annualized Growth Rate 26% C&D 2,700 7% 12% 1% 6% 1-4 Mortgage 2,650 C&I 18% 16% 2,600 CRE N.O.O. 17% Market Diversification 2,55
Slide 9: OO CRE Portfolio
OO CRE Portfolio (as of December 31, 2025) Average Rate Fixed Rate % % of % of Total OO Avg Loan Criticized 5.7% 67% dollars in thousands Balances Loans CRE Size Balances Convenience Store $ 162,913 6% 22 % $ 1,537 $ — Office 116,616 4 16 498 — Nonaccrual Convenience Store Warehouse Or Industrial 95
Slide 10: NOO CRE Portfolio, including Multifamily
NOO CRE Portfolio, including Multifamily (as of December 31, 2025) % of % of Total NOO Avg Loan Criticized Average Rate Fixed Rate % dollars in thousands Balances Loans CRE Size Balances 5.83% 70% Multifamily $ 177,825 7% 28 % $ 1,218 $ 1,598 Retail Multi-tenant 120,859 4 19 1,611 — Multi Use Facili
Slide 11: CRE Non-Medical Office Exposure
CRE Non-Medical Office Exposure (as of December 31, 2025) NOO Office Exposure Average Rate Average Criticized dollars in thousands Balances % of Total Loans Avg Loan Size Balances NOO 5.1% Remaining Maturity Baton Rouge $ 23,795 0.9 % $ 1,400 $ — OO 5.9% Houston 21,781 0.8 1,815 5,919 NOO 5.8 yrs No
Slide 12: Commercial & Industrial
Commercial & Industrial (as of December 31, 2025) LOC Utilization Nonaccrual % of Avg Loan Criticized Rate Balance dollars in thousands Balances % of C&I Loans Size Balances Finance and Insurance $ 57,973 13.5 % 2.1 % $ 1,035 $ 1,068 51% $1.3 million Professional Services 51,153 11.9 % 1.9 124 73 Re
Slide 13: C&D Portfolio
C&D Portfolio Composition (as of December 31, 2025) Total Average 1-4 Family Construction, 21% Balance Balance $329.2 million $563,000 Commercial Construction, 52% 4.6% $883K Lots, Development and on Nonaccrual Unimproved Land, net charge-offs 27% or $15.4 million since 2009 Historic Charge-off (Rec
Slide 14: Loans & Securities - Repricing and Maturity
Loans & Securities - Repricing and Maturity (as of December 31, 2025) Loan Repricing or Maturing Term Rate Structure Total Loans and Leases (1) Floating 3 mths or dollars in millions Rate* less 4 -12 Mths 1 - 3 Years 3 - 5 Years 5 - 7 Years 7+ Years Total Fixed Adjustable Residential mortgages $35 $
Slide 15: Changes in ALL
Changes in ALL 2021 2023 2024 2025 40 $2.4 $1.1 $2.3 $29.3 $(1.0) $(0.9) 30 $(0.1) ($ in millions) 20 $31.5 $32.9 $33.1 $29.3 10 0 Dec 2022 Organic Net Charge- Dec 2023 Organic Net Charge- Dec 2024 Organic Net Charge- Dec 2025 Provision offs Provision offs Provision offs (dollars in thousands) 12/31
Slide 16: Credit Quality Trends
Credit Quality Trends NPAs / Assets ALL / NPAs 1.6% 350% 1.4% 1.30 300% 1.2% 267 304 1.03 250% 1.0% 200% 211 0.77 165 0.8% 0.80 150% 0.6% 0.75 0.49 0.45 146 92 0.4% 0.34 0.31 100% 0.40 50% 0.2% 0.32 0.28 63 0.0% 0.20 0.14 0% 2019 2020 2021 2022 2023 2024 2025 2019 2020 2021 2022 2023 2024 2025 NPAs
Slide 17: Investment Portfolio
Investment Portfolio 11.2% 2.5% of total assets Q4 yield (dollars in millions) Book Value Gain/(loss) Eff. Duration $23.4 million 99.7% MBS $176 $(14) 4.0 unrealized loss ~ AFS Agency CMBS 156 (3) 2.1 5.6% of book value Muni 54 (5) 5.1 CMO 14 — 2.4 Agency 11 — 3.4 $3.1 million $5.0 million Corp 4 —
Slide 18: Deposits
Deposits (as of December 31, 2025) 27% Non-interest bearing 3,000 11% 11% 12% 9% 8% 7% deposit composition 15% 17% 17% 15% 15% 16% 2,500 13% $35,809 17% 13% 24% 27% $ in millions 26% Average deposit size 31% 25% 29% 24% 23% 22% 2,000 7% 28% 30% 34% 28% 26% 27% YTD 2025 growth rate 1,500 2020 2021 20
Slide 19: Deposits
Deposits (as of December 31, 2025) Uninsured Deposits(1) Retail Business Public Broker Total FDIC Insured 44% 17% —% —% 61% Approximately $726 million or 24% of total deposits Uninsured (1) 8 17 — — 25 Reciprocal — 5 — — 5 Public Funds — — 6 — 6 Coverage of Brokered Deposits — — — 3 3 Uninsured Depo
Slide 20: Yields
Yields NIM (TE) 4.60% NIM 1.84% 4.40% 4.06% Cost of total deposits for 4.20% 4.10 4.06 the quarter ended 4.04 for the quarter ended 3.91 December 2025 4.00% December 2025 3.82 3.80% 3.71 3.64 3.66 Total borrowings decreased $41.1 million for the 3.60% quarter ended December 2025 3.40% 1Q 24 2Q 24 3Q
Slide 21: Interest Rate Risk
Interest Rate Risk Liability Betas Forecasted Change in NII 5.00% Rate Shock 1 Year % Change in NII 4.00% 200 7.2% 3.00% 100 3.7% 2.00% (100) (4.1)% 1.00% (200) (8.4)% —% Q2- Q4- Q2- Q4- Q2- Q4- Q3- Q4- Q2- Q4- Q2- Q4- Q1- Q2- Q4- Q2- Q4- Q1- Q2- Q3- Q4- Q1- Q2- Q3- Q4- 16 16 17 17 18 18 19 19 20 20
Slide 22: Noninterest Income & Expense
Noninterest Income & Expense Noninterest Income(1) / Assets 4Q 1Q 2Q 3Q 4Q (dollars in thousands) 0.65% 2024 2025 2025 2025 2025 0.62 Service fees and charges $ 1,334 $ 1,309 $ 1,345 $ 1,408 $ 1,438 0.60% 0.57 Bank card fees 1,586 1,578 1,750 1,646 1,624 0.54 0.55% Gain on sale of loans 62 377 114 1
Slide 23: Capital
Capital Dividends Per Share Share Repurchase Activity 1.50 Year # Shares Average Price Cash Utilized *payable in February 2026 1.14 2019 419,498 36.82 15,444,895 1.00 1.01 2020 530,504 26.41 14,011,605 1.00 0.91 0.93 0.84 0.88 2021 246,012 36.18 8,900,409 2022 288,350 39.30 11,333,399 0.50 0.31 2023
Slide 24: Capital
Capital Capital Ratios (Bank only) 20% 15.9 15.3 14.7 14.2 14.5 14.1 15% 13.6 13.3 12.4 13.0 11.4 11.8 10.4 11.0 9.8 10% 5% 0% 2021 2022 2023 2024 2025 Tier 1 leverage capital Common equity tier 1 Total risk-based capital Regulatory Capital and Adjusted Capital as of December 31, 2025 Home Bank, N.A
Slide 25: Investment Perspective
Investment Perspective IIs Strong earnings and shareholder returns Conservative, well-managed Market disruption mA credit culture creates new opportunities ES a Disciplined acquirer Insider owners committed to continual improvement p < Homeff¥Bancorpinc. | 25 ——eEEE.R. ee
Slide 26: Serving the communities that built us since 1908
Serving the communities that built us since 1908. LAFAYETTE (GREATER ACADIANA REGION) HOUSTON NATCHEZ NEW ORLEANS NORTHSHORE Home ff Bancorp Inc. | 26
Slide 27: Appendix (non-GAAP reconciliation)
Appendix (non-GAAP reconciliation) (dollars in thousands, except per share data) 3Q 2024 4Q 2024 1Q 2025 2Q 2025 3Q 2025 4Q 2025 Total shareholders' equity $ 393,453 $ 396,088 $ 402,831 $ 408,818 $ 423,044 $ 435,094 Less: intangible assets 85,361 85,044 84,751 84,482 84,214 83,957 Non-GAAP tangible
Slide 28: Appendix (non-GAAP reconciliation)
Appendix (non-GAAP reconciliation) (dollars in thousands) 2020 2021 2022 2023 2024 2025 Total shareholders' equity $ 321,842 $ 351,903 $ 329,954 $ 367,444 $ 396,088 $ 435,094 Less: intangible assets 63,112 61,949 87,973 86,372 85,044 83,957 Non-GAAP tangible shareholders' equity $ 258,730 $ 289,954
Slide 29: Appendix (non-GAAP reconciliation)
Appendix (non-GAAP reconciliation) (dollars in thousands) 2020 2021 2022 2023 2024 2025 Reported noninterest income $ 14,305 $ 16,271 $ 13,885 $ 14,636 $ 14,625 $ 15,461 Less: BOLI benefit — 1,717 — — — — Less: gain (loss) on sale of securities — — — (249) — — Less: gain (loss) on sale of assets — (
Slide 30: Appendix (non-GAAP reconciliation)
Appendix (non-GAAP reconciliation) (dollars in thousands except for per share data) 2020 2021 1Q2022 2022 2023 2024 1Q2025 2Q2025 3Q2025 4Q2025 Total shareholders' equity $ 321,842 $ 351,903 $ 337,504 $ 329,954 $ 367,444 $ 396,088 $ 402,831 $ 408,818 $ 423,044 $ 435,094 Less: intangible assets 63,11